This week, the Ministry of Education (MEC) opened the deadline for joining Desenrola Fies 2026, a student loan debt renegotiation program with discounts that can reach 99% of the outstanding balance. The initiative is valid for contracts signed until 2017 and includes students who were in the financing amortization phase on May 4 of this year.
Renegotiation can be done until December 31, 2026 with Caixa Econômica Federal or Banco do Brasil, responsible for the Student Financing Fund (Fies) contracts. The program provides for different rebates depending on the length of time the debt is overdue and the student’s socioeconomic situation, in addition to the possibility of paying in installments over up to 150 months.
Created in 2001, the Student Financing Fund finances undergraduate courses in private higher education institutions with a positive evaluation in the National Higher Education Assessment System (Sinaes). To participate in the program, the student must have taken the National High School Exam (Enem) from 2010 onwards.
Who can join Desenrola Fies?
Students who contracted Fies until 2017 and were in the amortization phase on May 4, 2026 can participate. According to the MEC, the date — May 4 — was defined to check which contracts were in the amortization phase and to analyze criteria such as time of default and registration in CadÚnico.
It is worth noting that the program includes both current and non-performing contracts, as long as they meet the criteria defined by the federal government. Students who contracted financing from January 1, 2018 cannot join. Contracts that are still in the use or grace period are also excluded.
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What discounts are offered?
Discounts vary depending on the debt situation. Contracts without delay or with a delay of up to 90 days can receive a 12% discount for payment in cash. Those who have debts overdue for more than 90 days can also obtain a 12% discount, in addition to the total reduction of interest and fines.
For contracts overdue for more than 360 days, the discount can reach 77% of the total outstanding balance.
Students enrolled in CadÚnico with debts overdue for more than 360 days will have a reduction of up to 92%. Contracts overdue for more than five years can receive a discount of up to 99% for CadÚnico beneficiaries.
Will it be possible to pay the debt in installments?
Yes. Depending on the profile of the contract, the renegotiation may be paid in up to 150 months. The conditions vary depending on the type of debt and the percentage of discount granted.
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Can anyone who is negative participate?
Yes. After formalizing the agreement and paying the down payment, the name of the student and guarantors may be removed from the default records, when there is a restriction.
How to renegotiate?
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The process can be carried out through the official applications of the banks responsible for the contract or in person at any branch of Caixa Econômica Federal or Banco do Brasil.
The process can be done through the official applications of the banks responsible for the contract or in person at any branch of Caixa Econômica Federal or Banco do Brasil
At Banco do Brasil, renegotiation is done through the BB application. At Caixa, the procedure takes place via the application
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At Banco do Brasil, renegotiation is done through the BB application. At Caixa, the procedure takes place via the Fies Caixa app. In specific cases, such as contracts with longer installments and the need for a guarantor, the service must be in person.
Is renegotiation automatic?
No. The agreement is only confirmed after payment of the down payment. If payment is not made, the proposal is cancelled.
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Is it possible to renegotiate more than once?
No. Each contract can only be renegotiated once during the term of the program.
